Debt to Income Ratio Calculator

Making sure your debt load is balanced to your income level.

Calculating your personal debt to income ratio is fast and easy with the right tools. Consolidated Credit is here to help with a handy free debt to income ratio calculator. Simply use your budget to help fill in the required numbers below and click “CALCULATE” to determine your DTI ratio. The notes that appear after the calculator can help you understand what your ratio means. Return to this page to periodically check your debt ratio particularly if there is a change in your income or if you have a period where you take on a large amount of new debt at once.

Once you’ve calculated using the debt to income ratio calculator, you can use the number to decide if you need debt help. If you do, give us a call at today to speak with a trained credit counsellor about your finances for free. You can also get started online with a request for a Free Debt Analysis.

Note: All values required below are monthly. If you receive income and/or make payments on a different schedule, determine how much you pay on a monthly basis to enter the values below.

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Consolidated Credit has helped over 6.5 million people find relief from debt. Now we're here to help you.

A Certified Credit Counselor will be calling you at the number you provided. They'll complete your free debt and budget analysis, then discuss the best options for getting out of debt with you. If you qualify to enroll in a debt management program, your counselor can also help you enroll immediately.

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We take your privacy seriously. By submitting your information above you consent by electronic signature to: receive calls from Consolidated Credit from a live agent, artificial or prerecorded voice, and/or SMS text (standard cellular rates may apply) at my residential or cellular number, dialed manually or by autodialer. I understand that I am under no obligation to purchase anything.

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Open popup window about Canadian Association of Credit Counselling Services (CACCS)

Open popup window about the Toronto Board of Trade.

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Consolidated Credit Carries an A+ rating by the Better Business Bureau

Open popup window about: We are proud members of the Ontario Association of Credit Counseling Services (OACCS).

Get a Personalized Housing Consultation Today!

Get a personal one-on-one housing counseling session with one of our U.S. HUD certified housing counselors.

Consolidated Credit Carries an A+ rating by the Better Business Bureau

We have an excellent EIFLE rating

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We take your privacy seriously. By submitting your information above you consent by electronic signature to: receive calls from Consolidated Credit from a live agent, artificial or prerecorded voice, and/or SMS text (standard cellular rates may apply) at my residential or cellular number, dialed manually or by autodialer. I understand that I am under no obligation to purchase anything.

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Just as a reminder, the workshop will be held at our home office in Fort Lauderdale, FL.

5701 West Sunrise Blvd. Fort Lauderdale, FL 33313

If you have any questions about the workshop or need more information, don't hesitate to call us at 954-377-9167.

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We take your privacy seriously. By submitting your information above you consent by electronic signature to: receive calls from Consolidated Credit from a live agent, artificial or prerecorded voice, and/or SMS text (standard cellular rates may apply) at my residential or cellular number, dialed manually or by autodialer. I understand that I am under no obligation to purchase anything.

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Open popup window about Canadian Association of Credit Counselling Services (CACCS)

Open popup window about the Toronto Board of Trade.

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Consolidated Credit Carries an A+ rating by the Better Business Bureau

Open popup window about: We are proud members of the Ontario Association of Credit Counseling Services (OACCS).